Dun & Bradstreet

D&B LogoDun & Bradstreet is the world’s leading source of commercial information and insight on businesses, enabling companies to Decide with Confidence® for 172 years. D&B’s global commercial database contains more than 250 million business records. The database is enhanced by D&B’s proprietary DUNSRight® Quality Process, which provides quality business information. This quality information is the foundation of Dun & Bradstreet’s global solutions that customers rely on to make critical business decisions. Learn more about the:


 
Comprehensive Report

D&B’s Comprehensive Report is D&B’s most complete risk management report, designed to help you assess new and existing business relationships where the large-dollar and/or long-term nature of the commitment pose a significant risk or opportunity to your business. This report combines the background, payments and financial information from the Business Information Report with the power of D&B’s predictive scores, helping you determine both the current profile and future outlook for an account.
In one report you get:

  • Predictive scores based on statistically proven mathematical models that indicate the likelihood of a firm paying in a severely delinquent manner our Commercial Credit Risk Class and the likelihood of a company experiencing financial stress within an 18 month period our Financial Stress Class so you can quickly identify larger accounts requiring closer scrutiny
  • Supporting data to help you understand what the scores mean
  • The D&B Viability Rating an evaluation tool that offers a comprehensive assessment of whether or not to do business with a company. Only the D&B Viability Rating combines the most comprehensive measures of risk to deliver a highly reliable rating analyzing the current and future health of a business.
  • Comparisons of company performance with D&B’s industry norms for standard financial ratios, timeliness of payments, credit risk and financial stress.
  • Summarized business information on payment trends, financial performance, public record filings and company operations to support your own assessment of an account
  • Credit Limit Recommendation: Provides a benchmark of how much credit to extend, based on D&B’s predictive scores and analysis of similar businesses.
  • Payment Trends Profile: Shows the business’s payment trends over the past year, including industry comparisons.

To view a sample Comprehensive Report click here


 

Business Information Report (BIR)

The D&B BIR helps you determine a company’s profitability, stability and payment performance. It’s an industry standard for evaluating both new and existing credit relationships, particularly medium-to-high risk accounts. Plus, the report supports general company research and decision-making in a range of other functions, such as marketing, underwriting, legal services and purchasing. . The Business Information Report includes:

  • Company’s Background, History, Executive Summary & Operations Details
  • Analysis of company payments by the creditors’ line of business
  • Public record filings – outstanding suits, liens, judgments & bankruptcies
  • D&B Rating, our widely-used indicator of financial strength and viability
  • PAYDEX Score, D&B’s unique payment performance index
  • Payment Status by Trade Credit Experiences

The Business Information Report also has recently been enhanced to include:

  • The D&B Viability Rating: an evaluation tool that offers a comprehensive assessment of whether or not to do business with a company. Only the D&B Viability Rating combines the most comprehensive measures of risk to deliver a highly reliable rating analyzing the current and future health of a business.
  • Credit Limit Recommendation: Provides a benchmark guideline of how much credit to extend, based on D&B’s predictive scores and analysis of similar businesses.
  • Payment Trends Profile: Shows the business’s payment trends over the past year, including industry comparisons.
  • Corporate Family Linkage: Lists related businesses – branches, subsidiaries and affiliated companies (sharing the same parent).

To view a sample Business Information Report click here.


 

Payment Profile Report

The Payment Profile Report provides an easy-to-understand credit and payment information to help you make more informed, lower-risk credit decisions. In this report you’ll get in-depth historical analysis of a business’ payment habits as reported to D&B and information on how a company pays its bills compared to other firms in the same industry.
You can use the Payment Profile Report to help you:

  • Eliminate hours spent manually gathering information and gain prompt paying accounts quickly and easily.
  • Find out immediately about important legal activities in D&B’s files such as bankruptcy filings, And number of suits, liens and judgments that may impact a firm’s ability to pay promptly.
  • Reduce collection costs by screening potentially slow payers.
  • Determine a company’s payment performance as compared to the industry average.

To view a sample Payment Profile Report click here.